Compatibility · Mortgage Lending
Underwriting
10 document types. Every file you add to this department is filed against one of them — that filing is what routes a question to the right document instead of searching a pile.
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Appraisal review guidelines
Internal rules underwriters follow when checking a property appraisal for accuracy, completeness, and acceptable value support.
What it’s used for
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Asset documentation matrices
A reference chart showing what paperwork is required to verify a borrower's funds for each type of asset account.
What it’s used for
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Automated underwriting findings guides
A reference guide explaining how to read and act on the findings report produced by an automated underwriting system on a loan file.
What it’s used for
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Condition sheet templates
A standard form underwriters use to list the items a borrower must supply or resolve before a loan can close.
What it’s used for
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Credit exception request procedures
An internal guide explaining how underwriters request and obtain approval to make a loan that falls outside standard credit guidelines.
What it’s used for
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Income calculation worksheets
A worksheet underwriters use to figure a borrower's qualifying monthly income from pay stubs, tax returns, and other proof.
What it’s used for
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Product eligibility matrices
A grid showing which borrowers and properties qualify for each loan program, with the limits for credit score, down payment, and loan size.
What it’s used for
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Risk assessment guidelines
An internal guide telling underwriters how to judge the risk of a loan application and when to approve, condition, or decline it.
What it’s used for
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Self-employed borrower analysis guides
A guide showing underwriters how to calculate qualifying income for borrowers who own their own business.
What it’s used for
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Underwriting guidelines by product
A manual setting out the qualifying rules a lender applies to each mortgage product it offers.
What it’s used for
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